Want to come upstairs and see my credit score?

When should you do it? On the third date? After meeting her parents? Half-way through the first date? When it just feels right? ... credit report is not during the honeymoon. Having the conversation about money and debt ... significant other about his or her credit score probably makes you squeamish, but it’s a subject [more...]

Date: 2008-08-19 10:00:00

Blog posts (128) | Videos (56)
 

Home Equity Financing Options - Should You Get a Home Equity Loan?

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... for consolidating or eliminating high interest credit card debts. This way, you are able to pay off ... access to emergency cash may opt for an equity line of credit. However, if you are not interested [more...]

Date: 2009-01-12 15:30:50

Leveraged Finance Defined

seesaw Leveraged finance relates to funding a business, a company or another investment using more debt than would be considered normal. More than normal debt is going to imply by nature that the funding is a riskier prospect ... when it comes to leveraged buyouts, is mezzanine, which is known as “in between” debt. Mezzanine debt [more...]

Date: 2009-01-05 13:08:44

Economic Potpourri December 14, 2008

The barrage of noteworthy economic news continues unabated. Here are a few headline news reports of interest from the past couple days ... of U.S. government debt outstanding rose to $10.7 trillion in November from $9.15 trillion a year earlier ... people continue to flock to the U.S. government debt market because it’s the biggest and deepest [more...]

Date: 2008-12-15 02:30:00

Additional Thoughts on the Bailout By Paul Craig Roberts

Dandelion Salad By Paul Craig RobertsOctober 16, 2008 “Information Clearinghouse“ “We hang the petty thieves and appoint the great ones to public ... , necessitating the purchase of yet more troubled instruments. If credit card debt has also been securitized and sold as investments, as the economy worsens defaults on credit card debt [more...]

Date: 2008-10-17 22:15:23

Carnival of Twenty Something Finances

Welcome to the December 29, 2008 edition of twenty something finances. Thank you for dropping by and participating! ... . Here are my editor’s top picks: Debt Free Destiny presents New Year’s Resolution: Get Out of Debt For Good posted at Debt Free Destiny. The Shark Investor presents How To Outgrow The Self-Help Learning [more...]

Date: 2008-12-29 07:38:10

Racing the Clock on DPA Programs: Will The Dems Save the Day?

I had some fun, yesterday, with a report about the down payment assistance ban and the First-Time Homebuyer Tax Credit ... that the Tax Credit might be collateral for a “tax refund loan”, thereby, facilitating the need ... .  I queried some senior bank credit officers about this.  What I discovered is that those defaults [more...]

Date: 2008-08-28 04:26:04

I broke an egg…

Oops…while trying to make some french toast for tea break, I broke an egg. That’s how it is ... , and stretch your debt even longer. Banks love customers like you. Same goes to the the credit card story ... the spending problem, you are half-way to debt-free. The next half is easier than you think [more...]

Date: 2009-01-13 10:00:07

Festival of Frugality #140 - The Frugal Quotes Edition

... Elliott, Care One Credit "Be studious in your profession, and you will be learned. Be industrious ... " - Madsow, Engineer a debt free life "Save Money on Formula and Diapers - 3 Tips That Work" - Modern [more...]

Date: 2008-08-26 08:11:28

Lifestyle - Grow Green: 10 Tips for Personal Sustainability in Trying Economic Times

Alan Greenspan is calling it "a credit tsunami" that policymakers did not expect ... that will last, pay your bills, eat out less. Meantime, consolidate to one major card, close high ... away your credit cards for emergency use only Let's face it, spending is addictive, and having [more...]

Date: 2008-10-24 16:00:00

Sacrifice? No Thanks. I'll Pass

This week, Obama said that fixing our economy over the long term will require sacrifice from every American and scaling back some of his campaign ... in my life run a balance on a credit card. When I had very little money, I lived with 3 other guys [more...]

Date: 2009-01-11 16:22:00

When you have high debts it may be an option to refinance or consolidate these debts. When you are a home owner you may get a lower interest rate when refinancing your house. This way you might lower the high interest rate on you existing debts.

Some homeowners begin to investigate re-financing for the purpose of debt consolidation. This is especially true for homeowners who have high interest debts such as credit card debts. The interest rates associated with home loans are traditionally lower than the rates associated with credit cards by a considerable amount. Deciding whether or not to re-finance for the purpose of debt consolidation can be a rather tricky issue. [more...]

Date: 2009-09-16 12:52:38

Today’s best mortgages: How to Qualify

by Mortgage Wizard Equity The amount of equity you currently have your is a large factor when determining if you qualify for the best mortgage rates ... that to happen.) If you are looking to purchase a home or refinance your existing home into a lower rate ... or increased income. The banks look at your current debt to judge your ability to handle [more...]

Date: 2009-01-01 22:20:08

Comment Spam Fighting Technique

Comment Spam when looked from slightly different perspective can be an indicator of your blog popularity! So I guess we all should rejoice when our SPAM queue filled with dozens of comments from spam-bots. Luckily that is easily killed by simply taking advantage of the options provided by Akismet [more...]

Date: 2008-12-18 12:40:31

Confused about the bail out bill?

The 700 billion dollar bail out bill passed on Friday, except it is called a financial rescue package ... of the credit cards and the solicitations to refinance. Not everyone who has a credit card has too much credit card debt. Buying things and having things seems to be a huge part of our culture. We start [more...]

Date: 2008-10-06 05:10:03

Paulson Translated

After listening to and reading the text from Paulson’s speech this morning, ... at a tipping point. Credit markets were largely frozen, denying financial institutions, businesses and consumers access to vital funding and credit. He uses past tense verbs, but I’m not sure [more...]

Date: 2008-11-13 04:08:18

Is Your Credit Application Affected By Your Job?

The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]

Date: 2008-12-01 14:29:30

Home Equity Second Mortgage: Features and Benefits

Puzzled by Home Equity Loans? You are in good company. With the many options available to you, it is easy to feel overwhelmed ... allow you to borrow money from the equity in your home in the same way a credit card allows ... your monthly payments on an existing home equity loan or line of credit or want to consolidate [more...]

Date: 2009-01-14 05:54:14

credit mortgage refinance second

Many people use a credit mortgage refinance second to generate much needed funds. It is just a loan on property owned by you ... to refinance their 2nd mortgage in order to payoff high interest credit card balances and other loans. A 2nd ... are normally higher than a plain-vanilla mortgage but much lower than a credit card loan or personal loan [more...]

Date: 2009-01-14 05:27:09

Mortgage Rates, Scary Jobs Details, Investing in 2009, Russian Gas Dispute, and More!

by Addison Wiggin & Ian Mathias Mortgage rates plunge to record lows… but are they at the bottom? Overlooked details from Friday’s jobs news… troubling signs from retail and energy sectors Rob Parenteau charts a different way to view the S&P… could the worst be over? [more...]

Date: 2009-01-08 01:36:29

Personal Finance Money Tips Q&A #1

This is the first post of the regular questions and answers series. If you have any question, please try our forum. If you are concern about private information, you can contact me using the contact form. Please note that you agree that our email may be published here (without disclosing identity) [more...]

Date: 2009-01-08 23:00:50

Beware the Lure of No Credit Check Loans

by Mary Bush Perhaps you always thought that it could never happen to you, ... your credit card is maxed out and you have no money in savings, you need some cash fast. Sounds familiar ... . While many have the luxury of putting two new tires on a credit card and then repaying the card [more...]

Date: 2009-01-01 23:46:35

The 2008 Financial Crisis - Causes and Effects

The 2008 financial crisis is affecting millions of Americans and is one of the hottest topics in the Presidential campaigns ... lines of credit, which dried up the flow of money and slowed new economic growth and the buying ... cash and restricted their credit and ability to make new loans. There were other factors as well [more...]

Date: 2008-09-29 11:49:06

Mortgage meltdown to hit credit card users

Credit card debt and mortgage debt are two sides of the same coin on the American personal finance landscape ... StrategicValue Advisors, banks will charge off nearly $96 billion in credit card debt, double the projected 2008 ... . And now, it appears they are poised to become a two-headed monster. Consumers with credit card [more...]

Date: 2008-10-07 09:00:00

FiLife’s New Year’s Resolutions

It’s New Year’s Eve, and as with every new year, it’s resolution time! ... for my family!! – Kevin Van Lenten Product and Marketing Team No more credit card debt Read more books ... my closet organized and to automate all my bills! – Kristen Sullivan Get a non-student credit card [more...]

Date: 2008-12-31 15:49:50

Clip Job: Sing a Song, Sing It Loud...

Clip Job: Sing a Song, Sing It Loud... by Tony Ortega (6:00AM 11/28) Blogsgiving: How the Locals Gave Thanks by Roy Edroso (9:56PM 11/27) ... bailout plan to "help" consumers by luring them even deeper into debt in hopes that their overall debt ... , Paulson plans for the government to soak up a lot of bad consumer debt. But his emphasis so far [more...]

Date: 2008-11-28 15:41:38

Faith & Financial Crisis

Want to blame someone for the financial mess we're in? Well, join the club and get in line. Folks on the right are hell bent on blaming blacks. And if that doesn't work, they can always blame gays for our economic downturn. (Okay, okay! I confess already. it's all my fault [more...]

Date: 2008-10-08 19:13:14

Retail Tsunami Hits Gift Cards And No. 2 Mall Operator

Reuters is reporting Weaker gift card demand to hit post-holiday sales.The once-hot holiday gift card may be losing some of its luster, dealing a setback to struggling ... they can buy presents this holiday for less than what they were planning to spend on a gift card."We do see [more...]

Date: 2008-11-12 10:35:00

Finance Loans and Credit Rating

by Mary Bush Dealers typically sell your contract to an assignee, such as a bank, loan company or credit union ... card companies, and credit unions. Regulated by the Swiss Federal Department of Finance ... . Compare current rates being offered by contacting various banks, credit unions or other lenders [more...]

Date: 2009-01-06 19:50:33

Uses Of Credit Card Debt Refinance

Uses Of Credit Card Debt Refinance Posted in January 14th, 2009 Category:Debt Relief Credit card debt refinance is a financial help, ... as well as help you achieve your future goals are to either refinance credit card debt. make money online Be Aware While Opting For A Loan A large number of people are acquiring credit ... [more...]

Date: 2009-01-14 18:14:42

21 Ways To Create An Emergency Fund

Building up an emergency fund, if you haven’t already, is one of the most important things you can do to help your finances. But you knew that ... ; 2) stop getting into debt; and 3) build an emergency fund of $1,000 (and later you can increase ... to your financial health: Stop getting into debt. When an emergency comes up, if you don’t have an [more...]

Date: 2009-01-09 00:13:42

Those Were The Days

9 News reports from Colorado. “Jay Yake is a Realtor who has been in the real estate industry for more than 25 years ... credit card debt,’ said Hamrick. ‘I can’t imagine we’re going to see that happen.’” “Still, Hamrick [more...]

Date: 2008-09-23 20:37:46

Will the Federal Government Provide Bankruptcy Financing?

One topic we've mentioned from time to time is the near disappearance of the debtor in possession financing market and why that is a more serious ... to other debt, to pay all those bills during the Chapter 11 process. No DIP, no Chapter 11 for a lot [more...]

Date: 2008-11-25 06:35:10

Zero Interest Credit Cards versus Home Equity Line Of Credit

Once upon a time, I received an email about the virtues of zero interest credit cards as opposed to Home Equity Lines of Credit ... in Credit Reports: What They Are and How They Work I'm going to take the email in chunks: Turns ... , no points. Those would have lowered the rate further. HELOCs (Home Equity Lines Of Credit [more...]

Date: 2008-11-23 17:19:44

Did I Accomplish My 2008 Goals?

My 2008 Financial Goals were as follows:Purchase my first rental property. I did this, times two! ... and plans. Hmm, I kind of forgot this was a goal. I should do this eventually though...Refinance homestead mortgage at 5.5% or lower (30 yr fixed). I am actually accomplishing this 13 days late [more...]

Date: 2009-01-13 05:18:00

“We can put light where there’s darkness, and hope where there’s despondency in this country. And part of it is working together as a nation to encourage folks to own their own home.” — President Bush, Oct. 15, 2002 THE BLUEPRINTS In June 2002, [more...]

Date: 2008-12-21 16:01:46

Bankruptcy and Debt Carnival #18- Online Now!

Bankruptcy and Debt Carnival #18- Online Now! Monday, January 5, 2009 Welcome To The 18th Bankruptcy & Debt Carnival! Jan ... that were absolved due to bankruptcy or debt settlement. And collection agencies also sell debts in bulk to other collecting companies. Why would anyone buy debt that legally can’t be collected on?” Credit [more...]

Date: 2009-01-05 23:52:20

Residential Second Mortgage And Home Equity Second Mortgage Loan

A home equity second mortgage loan is a registered lien on your property. This lien is in second place, behind the first mortgage ... - Pay off existing debt - Emergency expenses - Business expenses in challenging times - Investments Home equity is the difference between the current appraised value of your home [more...]

Date: 2009-01-14 08:19:11

Mortgage Refinance and Debt Consolidation Video

Is refinancing your mortgage the best way to pay off your credit card debt? This mortgage refinance video from http://www.Bills ... will ever own. As the value of your home increases, it’s tempting to tap that equity to pay off credit card ... before applying for a mortgage refinance loan to consolidate debt. [more...]

Date: 2009-01-09 16:45:21

2009: Adapt, Improvise, Overcome

Just finished watching "Heartbreak Ridge" for the umpteenth time ... recap where we are today:Debt has risen at a faster rate than GDP for the last seven years. This has led to a falsely-stated increase in GDP, in that when debt rises faster than GDP (on a percentage [more...]

Date: 2009-01-01 03:21:00

Mortgage Calculator - How to Calculate Your Monthly Mortgage Payment

Just starting to shop for a new home? Do you want to know how to figure what your monthly payment would be based on a certain priced home? ... balance and add your credit card and / or other debt balances together then calculate a payment and compare this payment to your current home loan, credit card, and / or other debt payments [more...]

Date: 2009-01-12 00:15:04

Trepidation About Quantitative Easing, Version 2.0

The Fed made official its move to quantitative easing today, and said it will take no prisoners until it has lowered rates and credit spreads further ... of agency debt and mortgage-backed securities to provide support to the mortgage and housing [more...]

Date: 2008-12-17 10:28:49

A Solution? By Paul Craig Roberts

Dandelion Salad By Paul Craig Roberts 10/10/08 “ICH’ Readers have been pressing for a solution to the financial crisis. But first it is necessary to understand the problem. Here is the problem as I see it. If my diagnosis is correct, the solution below might be appropriate [more...]

Date: 2008-10-10 23:27:19

Dummy to Dave: A Question I Wish You Had Asked

Dear Dave, In the first hour of your January 12 show, ... debt. You advised Dan that interest wasn’t her problem, budgeting was. You told him to have her run a budget, squeeze out some extra money, and not try to interest-surf her way out of debt. I loved [more...]

Date: 2009-01-15 22:11:21

The Really Hard-to-Swallow Truth About the Bailout

By Joe Bageant, CounterPunch. Posted October 3, 2008 ... . People went into credit card hock up to their noses in order to provide 26 percent credit card ... into the principal balance. And joy of joys, you could refinance a couple of times while the inflated [more...]

Date: 2008-10-03 17:29:36

To pay off your credit cards…

…much quicker and to receive benefits of tax deduction on the interest of your credit cards you can consolidate the credit card debt into your ... . Consolidating your credit card debt into your mortgage can generally provide you with a much lower interest ... this credit card debt now tax deductible through mortgage interest, and help to increase your cre [more...]

Date: 2009-01-11 07:41:27

Loan Guru Answer Questions

Some text:: Debt consolidation, jacksonville, florida, northeast, mortgage, refinance. Debt Consolidation - Number One Reason For Getting A Loan ... form pragmatic debt solution the. Consolidate Credit Card Small Business Loan Debt Payment. Debt ... Bad Credit Loans Payday Loans Payday Loan Prentice [more...]

Date: 2008-10-06 17:44:56

Uses Of Credit Card Debt Refinance

Uses Of Credit Card Debt Refinance Posted in January 14th, 2009 Category:Debt Relief Credit card debt refinance is a financial help, ... as well as help you achieve your future goals are to either refinance credit card debt. Be Aware While Opting For A Loan A large number of people are acquiring credit ... [more...]

Date: 2009-01-14 19:43:18

Chat Transcript - January 12, 2009

Roger Dawson Hi Josh and gpllc! Mike Summey will be joining us in a minute\ Mike_Summey Hi everyone Mike_Summey Hi Ken Ken Hey Josh Mike, Roger: ... for 15 years at 0% for the same property. That is only $800 per month. Think about it. Mike_Summey ... business? Mike_Summey geoff, that’s the biggest question for everyone. Having excellent credit [more...]

Date: 2009-01-13 13:50:35

How to get a zero 0 % APR credit cards

If you are juggling your monthly finances and robbing Peter to pay Paul, ... is that you will be debt free at the end of the term of the loan and you cannot reuse the credit and build up debt again. The risk of increasing your card debt after transferring your balances [more...]

Date: 2009-01-12 12:58:19

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